BUSINESS

CREDIT
Learn how to earn a

$30
statement credit
when you open a Sam’s Club ®

Business credit card account.

See inside for details.

Earn Sam’s Cash * with a ™

Sam’s Club Business Mastercard.

® ®

5 % back
on gas
anywhere
(on first $6,000
3 % back
on Sam’s Club
purchases for
Plus members
per year, then 1%) Club members
earn 1%

3 % back
on dining
and takeout 1 % back
on other
purchases

See the “How to Earn Sam’s Cash™ with Your Sam’s Club®
*

Mastercard® Program” terms inside for details.

Rev 7/23
Rev 12/22 Item
Item ##SYN1222B
SYN6123
 Apply today!

Get a $30
statement credit
when you open a Sam’s Club Business
®

credit card account and make $30 in

Sam’s Club purchases in the next 30 days.1

For accounts opened using your

mobile device or at SamsClub.com:
A temporary card will be loaded to your
membership for use right away at SamsClub.com
and in the Sam’s Club app (including the Scan & Go™
feature). Purchases cannot be made at in-club
registers until the physical card is received.

1
Offer subject to credit approval. To qualify you must (i) apply and be approved
for a Sam’s Club® credit card account and (ii) use your new account to make
Sam’s Club purchases totaling $30 or more (excluding cash advances, gift card
sales, alcohol, tobacco and pharmacy purchases) within 30 days of date of
account opening. Your physical card should arrive in 7-10 business days from
date of account opening. A $30 credit to the account will appear within 90
days after the qualifying purchases are made. Offer is valid for newly opened
accounts only and each account is eligible for only one $30 offer. We reserve
the right to discontinue or alter the terms of this offer any time.
 The benefits are
built in.
Sam’s Club
®
Sam’s Club
®
Sam’s Club®

Business Business Business

Mastercard Mastercard Credit Card
® ®

(Plus Member) (Club Member)

Earn Sam’s Cash™ with a Sam’s Club® Business Mastercard®

Earn 3% back on Sam’s Club®

purchases for Plus members*
(Club members earn 1%)

Earn 5% back
on gas anywhere* (on first
$6,000 per year, then 1%)

Earn 3% back
on dining and takeout*

Earn 1% back
on other purchases*

Accepted worldwide wherever

Mastercard is accepted

Zero foreign transaction fees2

No annual fee2

Accepted at Sam’s Club and Walmart

Manage your account with the

Sam’s Club app, or online at
SamsClub.com/Credit

Doubles as your membership card

*
See the “How to Earn Sam’s Cash™ with Your Sam’s Club® Mastercard®
Program” terms inside for details.
2
For new accounts, see inside for rates, fees, and other cost information.
The Sam’s Club Business Mastercard is issued by Synchrony Bank pursuant to a
license by Mastercard International Incorporated. Mastercard and the circles
design are registered trademarks of Mastercard International Incorporated.
 Apply today!

Get a $30
statement credit
when you open a Sam’s Club Business
®

when you open a Sam’s Club Business

®

credit Here’s
credit card
card how and
account
account it works:
and make $30
make $30 in
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30 days.
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for Plus
members
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feature). Purchases cannot
cannot be
be made
made at at in-club
in-club
registers until the physical card is received.
registers until the physical card is received.
Sam’s Cash™ earned is subject to each program’s terms,
including different maximum amounts and payout dates.
1 Offer subject to credit approval. To qualify you must (i) apply and be approved
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*
Subject to credit approval. See the “How to Earn Sam’s Cash™ with Your
Sam’s Club® Mastercard® Program” terms inside for details.
 Sam’s Club® Business Credit Application By applying you agree that, if approved, Synchrony Bank may provide you with
Please complete entire application in blue or black ink. Missing or a Sam’s Club® Business Mastercard®†† or a Sam’s Club Business Credit Card.
inaccurate information may delay or adversely affect credit decision.

Sam’s Club Business Membership Number (Required)

1 Business Information

Company Full Legal Name* Taxpayer ID# (Required) Company Contact

Business Address (Street Name and Number Only) Suite/Building/Floor# City State ZIP

Billing Address (If Different) Suite/Building/Floor# City State ZIP

65551-56551- ( )
Business Phone #† Ext. Fax # Resale/Tax License # Issuing State Expiration Date
▲ PLEASE DETACH AT THE PERFORATION AND RETAIN THE REST OF THE BOOKLET FOR YOUR RECORDS ▲

Email Address (Optional) †

Billing Representative

Year Business Established Monthly Estimated Spend

Number of Employees Type of Business Dun & Bradstreet # Purchase Orders Required?

Corporation Partnership Proprietorship Other Yes No

*Limited to 21 Characters. †You authorize Synchrony Bank to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and
information, including text messages, from Sam’s Club and Synchrony Bank. Standard text messaging rates may apply. ††The Sam’s Club Business Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard
International Incorporated.

2 Authorized Representative’s Signature

NOTICE TO BUYER: (1) DO NOT SIGN THIS APPLICATION BEFORE YOU READ IT OR IF ANY SPACES INTENDED FOR THE AGREED TERMS ARE LEFT BLANK. (2) YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THE
GOVERNING CREDIT AGREEMENT. (3) YOU MAY AT ANY TIME PAY THE TOTAL BALANCE UNDER THE AGREEMENT. By signing below on behalf of your business, you represent that your business is a valid business entity; that all
purchases made on this account, if approved, WILL BE FOR PURPOSES OTHER THAN PERSONAL, FAMILY, OR HOUSEHOLD USE, and that you are an authorized representative of the business with authority to enter into contractual
agreements. You understand, that if approved for a Sam’s Club Business Mastercard, we may assign interest rates depending on your business’ creditworthiness as determined by us. On behalf of the business, you certify
that all information provided in this application is complete and accurate, you agree to be bound by the terms of the governing credit agreement and you authorize us to obtain information about you personally (whether or
not you have personally guaranteed the account) and your business from credit reporting agencies and other sources we deem appropriate in considering this application and subsequently for purposes of updates, renewals,
or extensions of credit granted as a result of this application or in reviewing or collecting the account. You also understand that credit on this account, once approved, will be extended by Synchrony Bank (“SYNCB”), and that
there is no binding contract between us until SYNCB approves and accepts this application. You have read and agree to the Key Terms and other disclosures attached.
I consent to SYNCB, and any other owner or servicer of my account, contacting me about my account and I agree to update my information, as provided in the Sam’s Club Business Mastercard or Sam’s Club Business Credit
Card agreement (“Agreement”), including specifically the Address/Phone Change and Consent To Communications provisions. I consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded
voice when contacting me.
Authorization for the Social Security Administration to Disclose Your Social Security Number Verification. I authorize the Social Security Administration (SSA) to verify and disclose to SYNCB through SentiLink Verification
Services Corp, SYNCB’s service provider, for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth I have submitted matches information in SSA records. My consent is for a one-time
validation within the next 90 days.
PLEASE SEE KEY CREDIT TERMS FOR RATES, FEES AND OTHER COST INFORMATION.
I agree that my Sam’s Club membership fees will be charged annually to my credit account on or before my renewal date.
FEDERAL LAW REQUIRES SYNCB TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES YOU WHEN YOU OPEN AN ACCOUNT.
SYNCB WILL USE YOUR NAME, ADDRESS, TAXPAYER ID #, AND OTHER INFORMATION FOR THIS PURPOSE.

Authorized Representative’s Signature Name (Printed)

65551-56 5- 65551-56551- XXXXX/XXXXX/

Social Security # Phone # Date of Birth (MM/DD/YYYY)

CGNA (12/11)
This credit card program is offered by SYNCB in cooperation with Sam’s Club. CON-DUAL-CASH (REV 7/2023)
PLEASE RETURN TO THE NEAREST SAM’S CLUB. DO NOT MAIL. [WF7840401HM]
 3 Personal Guarantor Information
Should you give us your personal guaranty? Yes, if your company...
P Has less than $5 million in annual sales or revenues, or P Is less than 2 years old, or P Has fewer than 10 employees, or
P Is a partnership or proprietorship.
Giving us your personal guaranty will speed the process of approving your application especially if you have a small or young company. If we can’t grant you credit
on the basis of your company’s information, you may be able to receive credit if you agree to be personally responsible for paying for your company’s account.

Last Name First Name Initial Title

Mailing Address (Include Street Name and Number if P.O. Box is Used) City State ZIP Country
65551-56551-
Home Phone # † Business Phone # Date of Birth
65551-56 5- $
Social Security # Annual Income From All Sources*

THE PERSONAL GUARANTOR MAY BE LIABLE FOR ANY UNPAID AMOUNTS AND MUST BE ONE OF THE FOLLOWING (P One):
President/Chairman VP Owner/Sole Proprietor General Partner Email Address (Optional)†

▲ PLEASE DETACH AT THE PERFORATION AND RETAIN THE REST OF THE BOOKLET FOR YOUR RECORDS ▲
*Alimony, child support or separate maintenance income need not be disclosed unless relied upon for credit.
You authorize Synchrony Bank to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages,
†

from Sam’s Club and Synchrony Bank. Standard text messaging rates may apply.
Personal Guaranty: In consideration of Synchrony Bank (“SYNCB”) financing purchases by buyer, the undersigned guarantor (“Guarantor”) hereby agrees to unconditionally, absolutely and irrevocably personally guarantee
payment of all amounts now or hereafter due under, and the performance under the terms of the credit agreement, as amended, restated or replaced from time to time (“Agreement”) for the Sam’s Club® Business Mastercard®
or Sam’s Club® Business Credit card credit agreement, depending on which type of account the buyer is approved for, and further agrees to pay the total balance now or hereafter due on the account opened pursuant to
the Agreement upon demand, without requiring SYNCB to proceed first to enforce payment against the buyer or any other person also liable on this account, in the event of any default under the Agreement that governs the
account. The Guarantor hereby waives any notices regarding the Agreement or this guaranty, and agrees that this guaranty shall remain in effect until the Agreement has terminated and all amounts due thereunder shall have
been paid in full. The Guarantor agrees that the guaranty shall remain in effect even if SYNCB changes the terms of the Agreement in any way and the obligations guaranteed hereunder will include such amendments, including
increasing rates, fees and/or credit limits, adding locations where the account may be used or issuing a replacement credit card for the account. The Guarantor agrees that SYNCB may report the undersigned’s liability for and
the status of the account to credit bureaus and others who may lawfully receive such information. The Guarantor agrees that personal credit history of the undersigned Guarantor may be used in making credit decisions and
consumer reports on the Guarantor may be obtained from time to time. Direct inquiries of employers and businesses where the Guarantor maintains accounts may also be made.
I consent to SYNCB, and any other owner or servicer of my account, contacting me about my account and I agree to update my information, as provided in the Sam’s Club Business Mastercard or Sam’s Club Business Credit
Card agreement (“Agreement”), including specifically the Address/Phone Change and Consent To Communications provisions. I consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded
voice when contacting me.

Personal Guarantor’s Signature Date

P

4 Credit Authorized Buyers** (Must be add-on cardholders on the business membership)

Authorized Representative Name*** Membership #

Authorized Buyer #2 Name*** Membership #

Authorized Buyer #3 Name*** Membership #

**For Other Than Personal, Family or Household Use. ***(Should be person that signed above)

CGNA (12/11)
CON-DUAL-CASH (REV 7/2023)
PLEASE RETURN TO THE NEAREST SAM’S CLUB. DO NOT MAIL. [WF7840401HM]
The information about the costs of the cards described below is accurate as of August 1, 2023. This information may have changed after that date. To find out what may have
changed, write to us at P.O. Box 71726, Philadelphia, PA 19176-1726. This application and the credit card agreement will be governed by federal law, and to the extent state
law applies, the laws of Utah. Subject to the requirements and limitations of applicable law, we may change, add to or delete any of the terms of the agreement, including
the interest rates, fees and charges and we will send you notice as required.

THE KEY CREDIT TERMS THE KEY CREDIT TERMS

SAM’S CLUB® BUSINESS MASTERCARD ®
SAM’S CLUB® BUSINESS CREDIT CARD
Annual Percentage Rate (APR) for Purchases Annual Percentage Rate (APR) for Purchases
Account Type 1: Account Type 2: 28.90%
20.90% 28.90% Other APRs
APR assigned upon approval† Penalty APR:* 29.99%
Other APRs Variable Rate Information
Penalty APR:* 29.99% The Annual Percentage Rate for Purchases will equal the
Cash Advance APR: prime rate plus 20.40%. The Penalty APR is 29.99%.
Account Type 1: Account Type 2: The prime rate for a billing period is the highest bank prime
25.90% 31.90% loan rate as published in The Wall Street Journal in its Money
Variable Rate Information Rates section on the last business day of the calendar month
preceding the first day of the billing period (“Prime Rate”).
The Annual Percentage Rate for Purchases will equal the prime
Grace Period for the Repayment
rate plus (i) 12.40%, for Account Type 1; or (ii) 20.40%, for Account of the Balance for Purchases
Type 2. The Annual Percentage Rate for Cash Advances will equal
(i) the prime rate plus 17.40%, for Account Type 1; or (ii) the prime At least 20 days if there is no previous balance or the balance
is fully paid; otherwise, none.
rate plus 23.40%, for Account Type 2. The Penalty APR is 29.99%.
Method of Computing the Balance for Purchases
The prime rate for a billing period is the highest bank prime loan
rate as published in The Wall Street Journal in its Money Rates Daily Balance
section on the last business day of the calendar month preceding Minimum Finance Charge
the first day of the billing period (“Prime Rate”).
$2.00
Grace Period for the Repayment of the Balance Late Payment Fee: The Late Payment Fee will be $0.00 for a New Balance of
for Purchases less than $25.00; $15.99 for a New Balance of $25.00 to $99.99; $29.99 for a
New Balance of $100.00 to $249.99; and $39.99 for a New Balance of $250.00
At least 20 days if there is no previous balance or the balance is
or more.
fully paid; otherwise, none.
Returned Check Fee: $15.00 on balances under $100.00 and $38.00 on
Method of Computing the Balance for Purchases balances of $100.00 and higher.
Daily Balance *
The APR for all Account balances (including any promotional rates) may be
increased if you fail to make a minimum payment to us when due or you make a
Minimum Finance Charge payment to us that is not honored by your bank. If we increase your APR, the new
$2.00 APR will be equal to the Penalty Rate. Once the Penalty Rate applies, if you make
any required Minimum Payment by the Payment Due Date in twelve consecutive
Transaction Fee for Cash Advances billing periods, the next statement you receive will reflect the Regular Rate (rather
than the Penalty Rate) that will apply to all existing balances on your Account and
The greater of $5.00 or 3.0% of the amount of the Cash Advance. all new transactions beginning with the first day of the billing period reflected on
Late Payment Fee: The Late Payment Fee will be $0.00 for a New Balance of less than that statement. We may also change rates or other terms as provided in the credit
$25.00; $15.99 for a New Balance of $25.00 to $99.99; $29.99 for a New Balance of card agreement.
$100.00 to $249.99; and $39.99 for a New Balance of $250.00 or more.
Returned Check Fee: $15.00 on balances under $100.00 and $38.00 on balances of
$100.00 and higher.
*The APR for all Account balances (including any promotional rates) may be increased
if you fail to make a minimum payment to us when due or you make a payment to us
that is not honored by your bank. If we increase your APR, the new APR will be equal
to the Penalty Rate. The Penalty APR will apply until you make any required Total
Minimum Payment by the Payment Due Date in twelve consecutive billing periods; and
if you do so, the next Statement you receive will reflect a new APR equal to 28.90% for
Purchases and 31.90% for Cash Advances or the Purchase and Cash Advance APR
applicable to your account at that time. We may also change rates or other terms as
provided in the credit card agreement.
†
See also Important Notices below.

IMPORTANT NOTICES:
1 We may, at any time and for any reason, change, add or delete provisions of the credit card agreement, including increasing rates or fees. These changes may affect
existing balances as well as future transactions. We will send you notice of any terms change as required by applicable law. The information about the costs of the cards
described above is accurate as of August 1, 2023. This information may have changed after that date. To find out what may have changed on the Sam’s Club Business
Mastercard or on the Sam’s Club Business Credit Card, write to us at P.O. Box 71726, Philadelphia, PA 19176-1726. All accounts are owned, and credit is extended, by
Synchrony Bank.
2 Sam’s Club Business Mastercard rates will be determined after application review and disclosed to you before purchases or charges on the account are permitted. A
limited number of applicants are expected to receive Account Type 1.

(REV 7/2023) [WF7840401HM]

STATE NOTICES
CALIFORNIA RESIDENTS: If you are married, you may apply for a
separate account.
NEW JERSEY RESIDENTS: Certain provisions of this Agreement are
subject to applicable law. As a result, they may be void, unenforceable
or inapplicable in some jurisdictions. None of these provisions,
however, is void, unenforceable or inapplicable in New Jersey.
NEW YORK RESIDENTS: A consumer credit report may be obtained in
connection with evaluating your application and subsequently in connection
with updates, renewals, or extensions of credit for which this application is
made. Upon your request, you will be informed whether a report was obtained,
and if so, of the name and address of the consumer reporting agency.
OHIO RESIDENTS: The Ohio laws against discrimination require that
all creditors make credit equally available to all creditworthy customers,
and that credit reporting agencies maintain separate credit histories
on each individual upon request. The Ohio Civil Rights Commission
administers compliance with this law.
WISCONSIN RESIDENTS: No provision of a marital property
agreement, a unilateral statement under sec. 766.59, Wis. Stats., or
a court decree under sec. 766.70, Wis. Stats., adversely affects the
interest of the creditor unless the creditor, prior to the time credit is
granted, is furnished a copy of the agreement, statement or decree or
has actual knowledge of the adverse provision when the obligation to the
creditor is incurred. Married residents of Wisconsin applying for an
individual account must give us the name and address of their
spouse if the spouse also is a Wisconsin resident, regardless
of whether the spouse may use the card. Please provide this
information to us at P.O. Box 71726, Philadelphia, PA 19176-1726.
INITIAL DISCLOSURE STATEMENT FOR THE
SAM’S CLUB® BUSINESS MASTERCARD® AND
THE SAM’S CLUB® BUSINESS CREDIT CARD
The following are initial disclosure statements. If you are approved for a
Sam’s Club Business Mastercard or a Sam’s Club Business Credit
Card, a complete credit card agreement (“Agreement”) governing your
Sam’s Club Business Mastercard or Sam’s Club Business Credit Card
(“Account”) will be sent to you. The Sam’s Club Business Mastercard
and Sam’s Club Business Credit Card are issued by Synchrony Bank
(“Bank”). In these disclosure statements, “we,” “us,” and “our” refer to the
Bank; “you” and “your” refers to all persons who we approve to use the
Account; and “Card” refers to your Sam’s Club Business Mastercard or
Sam’s Club Business Credit Card.
If you are approved for a Sam’s Club Business Mastercard, you may use
your Account to purchase goods or services (“Purchases”). You may also
use your Sam’s Club Business Mastercard to obtain cash loans (“Cash
Advances”) at any institution that accepts the Sam’s Club Business
Mastercard including any Automated Teller Machines (“ATM”). The
following transactions are treated as Cash Advances for the Sam’s Club
Business Mastercard: drafts, money orders, cashier’s checks, traveler’s
checks, electronic wire or transfers, foreign currency or other in-bank
transactions, tax payments, lottery tickets or other legalized gambling
transactions, court costs, bail bonds, person-to-person payments, fines,
and other cash-like transactions.
If you are approved for a Sam’s Club Business Credit Card, you may use
your Account to purchase goods or services (“Purchases”).

1
 INITIAL DISCLOSURES FOR
SAM’S CLUB® BUSINESS MASTERCARD®
PERIODIC FINANCE CHARGES. We calculate the periodic Finance
Charge separately for Purchases, Cash Advances and Special
Promotions. The Annual Percentage Rate may sometimes be referred
to as “APR.”
A. The periodic Finance Charge for a billing period is calculated by
applying the applicable daily periodic rate (“Periodic Rate”) to the
Account balance subject to periodic Finance Charges for each day in
the billing period, and adding together all of those daily Finance Charge
amounts. A minimum FINANCE CHARGE of $2.00 will be imposed
for each billing period in which your Account is subject to a periodic
Finance Charge.
B. The Periodic Rate for your Purchase balance is the purchase standard
rate (“Purchase Standard Rate”), unless the Penalty Rate applies as
described below. Except as provided below, the Purchase Standard Rate
for a billing period is the Prime Rate plus 12.40%, times 1/365 for Account
Type 1; the Prime Rate plus 20.40%, times 1/365 for Account Type 2.
The prime rate for a billing period is the highest bank prime loan rate as
published in The Wall Street Journal in its Money Rates section on the last
business day of the calendar month preceding the first day of the billing
period (“Prime Rate”). As of August 1, 2023, the Purchase Standard Rate
for Account Type 1 was .05727% (APR 20.90%); and the Purchase
Standard Rate for Account Type 2 was .07918% (APR 28.90%).
C. The Periodic Rate for your Cash Advance balance is the cash standard
rate (“Cash Standard Rate”), unless the Penalty Rate applies as described
below. Except as provided below, the Cash Standard Rate for a billing
period is the Prime Rate plus 17.40%, times 1/365 for Account Type
1; the Prime Rate plus 23.40%, times 1/365 for Account Type 2. As of
August 1, 2023, the Cash Standard Rate under this formula was .07096%
(APR 25.90%) for Account Type 1; and the Cash Standard Rate was
.08740% (APR 31.90%) for Account Type 2.
D. The Penalty Rate will apply to your existing balances and future
transactions and will take effect as of the first day of the billing period
in which your missed payment or dishonored payment was due. The
daily Penalty Rate is .08217% (APR 29.99%). If your APRs are
increased for any of these reasons, the Penalty APR will apply until
you make any required Total Minimum Payment by the Payment Due
Date in twelve consecutive billing periods; and if you do so, the next
Statement you receive will reflect a new APR equal to 28.90% for
Purchases and 31.90% for Cash Advances. These APRs will vary
with the market based on the Prime Rate. The daily Periodic Rate
for the new Purchase APR is calculated as follows: the Prime Rate
plus 20.40%, times 1/365. The daily Periodic Rate for the new Cash
Advance APR is calculated as follows: the Prime Rate plus 23.40%,
times 1/365. As of August 1, 2023, the daily Periodic Rate for the new
Purchase APR under this formula was .07918% (APR 28.90%)
and the daily Periodic Rate for the new Cash Advance APR under this
formula was .08740% (APR 31.90%). We may also change rates or
other terms as provided in the Termination/Change in Terms section of
this Agreement.
E. The Periodic Rates and corresponding APRs may vary. If the Prime
Rate increases, the Periodic Rates and corresponding APRs may
increase, and as a result the periodic Finance Charge, Total Minimum
Payment, and number of payments also may increase. Any change in

2
the Periodic Rates will apply to your entire Account balance (unless
otherwise specified in any applicable promotional offer that provides for
different terms for that promotion). A change in the prime rate will take
effect on the first day of the billing period after the change. We may select
a new interest rate index if the prime rate is not available.
BALANCE SUBJECT TO PERIODIC FINANCE CHARGE. The
balance subject to a periodic Finance Charge is calculated separately for
Purchases, Cash Advances and Special Promotions.
A. The Purchase balance subject to a periodic Finance Charge is the
Purchase Daily Balance of the Account. However, Purchases are not
included in the Purchase balance subject to a periodic Finance Charge
for a billing period if there is no previous balance on your Account at the
beginning of the billing period (“Previous Balance”), or the sum of your
payments and credits posted to your Account by the Payment Due Date
is at least equal to the Previous Balance. To determine the Purchase
balance subject to a periodic Finance Charge, we take the prior day’s
Purchase balance of your Account, which includes any unpaid periodic
Finance Charge on your Purchase balance and add any new Purchases
and other debits charged to your Account that day, and subtract any
payments and other credits applied to your Purchase balance that day.
Each day we also add any periodic Finance Charges on your Purchase
balance and other Finance Charges and fees (other than Transaction
Fees for Cash Advances), including any debt cancellation fees, assessed
that day on your Account. This gives us the “Purchase Daily Balance” of
the Account. Any Purchase Daily Balance of less than zero will be treated
as zero.
B. The Cash Advance balance subject to a periodic Finance Charge
is the Cash Advance Daily Balance of the Account. To determine the
Cash Advance balance subject to a periodic Finance Charge, we take
the prior day’s Cash Advance Balance of your Account, which includes
any unpaid periodic Finance Charges on your Cash Advance Balance,
and add any new Cash Advances, Transaction Fees for Cash Advances
and periodic Finance Charges on your Cash Advance Balance for that
day and subtract any payments and other credits applied to your Cash
Advance Balance that day. This gives us the “Cash Advance Daily
Balance” of the Account. Any Cash Advance Daily Balance of less than
zero will be treated as zero.
WHEN PERIODIC FINANCE CHARGES BEGIN TO ACCRUE.
A. Purchases. If there is no Previous Balance for the billing period
or the sum of your payments and credits posted to your Account by
the Payment Due Date at least equal to the Previous Balance, new
Purchases and other related charges in that billing period will begin to
accrue a periodic Finance Charge as of the first day of the next billing
period if a periodic Finance Charge is imposed in the next billing period.
If there is a Previous Balance for the billing period, including any balance
of Purchases made under any Special Promotion, and the sum of your
payments and credits posted to your Account by the Payment Due Date
is not at least equal to that Previous Balance, new Purchases and other
related charges will begin to accrue a Finance Charge from the later of
the date of the transaction or the first day of the billing period which the
transaction is posted to your Account.
B. Cash Advances. Cash Advances, Transaction Fees for Cash
Advances and other related charges will accrue a periodic Finance
Charge from the later of the transaction date or the first day of the billing
period in which the Cash Advance is posted to your Account. There is no
period within which you can avoid Finance Charges on Cash Advances.

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PAYMENTS.
A. You must pay at least the Total Minimum Payment by 5:00 p.m.
(ET) on the Payment Due Date shown on the Statement. You may pay
more than the Total Minimum Payment at any time. Your Total Minimum
Payment will be the sum of: (a) the greater of (i) $15.00, or (ii) 1/24 of the
new balance (“New Balance”) shown on your statement, or (iii) the sum
of the Finance Charges, the late fee, and 1.0% of your New Balance; plus
(b) any past due amounts. The Total Minimum Payment will be rounded
up to the next whole dollar. However, the Total Minimum Payment is the
New Balance if the New Balance is less than $15.00.
B. We reserve the right to select the method by which payments and
credits are allocated to your Account in our sole discretion. The payment
allocation method that we use may result in higher Finance Charges
on your Account or reduced savings attributable to any reduced APR
promotion, depending on the types of transactions and promotions
on your Account, and the timing and amount of your payments. If you
have any questions about the allocation of your payment, please call the
customer service phone number located on your billing statement.
ADDITIONAL FEES. You agree to pay the following fees:
A. A Late Payment Fee, if we have not received your Total Minimum
Payment by 5:00 p.m. (ET) on the Payment Due Date shown on
your Statement. The amount of the Late Payment Fee will be based
on your New Balance at the time your delinquent Total Minimum
Payment was calculated. The Late Payment Fee will be:
New Balance Late Fee
Less than $25.00 $0.00
$25.00 – $99.99 $15.99
$100.00 – $249.99 $29.99
$250.00 or more $39.99
B. A Returned Check Fee of $15.00 on balances under $100.00 and
$38.00 on balances of $100.00 and higher if any check or other instrument
sent to us, or any electronic payment authorization you provide us for
payment on your Account, is not honored upon first presentment even
if the check, instrument, or electronic payment authorization is later
honored. Your Returned Check Fee will be based on the ending balance
of your Account for the billing period immediately preceding the billing
period in which your Returned Check Fee is applied to your Account.
C. A Transaction Fee for each Cash Advance that posts to your Account
will be charged. This fee will be a FINANCE CHARGE equal to
the greater of $5.00 or 3% of the amount of the Cash Advance. For
ATM Cash Advances, the amount of the Cash Advance may include a
surcharge that the ATM owner imposes.
D. We will not charge a foreign transaction fee. If you make a transaction
with your account in a currency other than U.S. dollars, Mastercard
will convert the transaction amount into U.S. dollars using its currency
conversion procedure. Under the currency conversion procedure that
Mastercard currently uses, the non-U.S. dollar transaction amount
is converted into a U.S. dollar amount by multiplying the transaction
amount in the non-U.S. dollar currency by a currency conversion
rate. Mastercard’s currency conversion procedure is based on rates
observed in the wholesale market or government-mandated rates,
where applicable. The currency conversion rate that Mastercard uses
for a particular transaction is the rate for the applicable currency on
the date that the transaction occurred. However, in limited situations,
particularly where transaction submissions to Mastercard for processing

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are delayed, the currency conversion rate that Mastercard uses may
be the rate for the applicable currency on the date that the transaction
is processed.
INITIAL DISCLOSURES FOR THE
SAM’S CLUB® BUSINESS CREDIT CARD
FINANCE CHARGES.
A. When your Account has a balance subject to finance charge (as
described below), we will assess a Finance Charge calculated by applying
a daily periodic rate (“periodic rate”) to that balance. The periodic rate for
your Account is the Regular Rate unless the Penalty Rate applies as
described below. The Regular Rate applied in any billing period will be
equal to the Prime Rate plus 20.40%, times 1/365. The prime rate for
a billing period is the highest bank prime loan rate as published in The
Wall Street Journal in its Money Rates section on the last business day
of the calendar month preceding the first day of the billing period (“Prime
Rate”). The Regular Rate under the above formula as of August 1, 2023,
was .07918% and the corresponding APR was 28.90%.
B. The periodic rate for all Account balances (including any promotional
rates) may be increased if you fail to make a Minimum Payment to us
when due or you make a payment to us that is not honored by your
bank. The Penalty Rate will apply to your existing balances and future
transactions and will take effect as of the first day of the billing period
in which your missed payment or dishonored payment was due. The
daily Penalty Rate is .08217% (APR 29.99%). Once the Penalty Rate
applies, if you make any required Minimum Payment by the Payment Due
Date in twelve consecutive billing periods, the next statement you receive
will reflect the Regular Rate (rather than the Penalty Rate) that will apply to
all existing balances on your Account and all new transactions beginning
with the first day of the billing period reflected on that statement.
C. A minimum FINANCE CHARGE of $2.00 will be assessed for any
billing period in which a Finance Charge is due.
D. If the prime rate increases, the periodic rates and corresponding
Annual Percentage Rates may increase, and as a result the Finance
Charge, the Minimum Payment and the number of payments may
also increase. Any new periodic rate will apply to your entire Account
balance. We may select a new interest rate index if the Prime Rate is
not available.
BALANCE SUBJECT TO FINANCE CHARGE. There will be no
balance subject to Finance Charge for a billing period if there is no
Previous Balance on your Account for the billing period or the sum of
your payments and credits posted to your Account by the Payment
Due Date is at least equal to the Previous Balance. Each day during
the billing period, we will figure a “Daily Balance” on your Account.
The Daily Balance is determined by taking the beginning balance for
that day, which includes any unpaid Finance Charges, adding any new
Purchases and other debits assessed that day, and subtracting any
payments made and credits issued on that day. Each day we also add
any Finance Charges, Late Payment Fees and Returned Check Fees
assessed that day. This gives us the Daily Balance. Any Daily Balance
less than zero will be treated as zero. We then multiply the Daily Balance
by the applicable periodic rate and add that daily Finance Charge to
the balance to determine that day’s closing balance, which will be the
beginning balance for the following day. At the end of the billing period,
we add up the results of the daily Finance Charge calculations to get the
total Finance Charge for the billing period.

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WHEN FINANCE CHARGES BEGIN TO ACCRUE. If there is no
Previous Balance for the billing period or the sum of your payments
and credits posted to your Account by the Payment Due Date is at least
equal to the Previous Balance, new Purchases and other charges in that
billing period will begin to accrue a Finance Charge as of the first day of
the next billing period if a Finance Charge is imposed in the next billing
period. If there is a Previous Balance for the billing period and the sum of
your payments and credits posted to your Account by the Payment Due
Date is not at least equal to that Previous Balance, new Purchases and
other charges will begin to accrue a Finance Charge from the later of the
date of the transaction or the first day of the billing period in which the
transaction is posted to your Account.
MINIMUM MONTHLY PAYMENT. You must pay at least the Total
Minimum Payment by 5:00 p.m. (ET) on the Payment Due Date shown
on the Statement. You may at any time pay your entire balance
in full or more than the Minimum Monthly Payment. Your Total
Minimum Payment will be the sum of: (a) the greater of (i) $50.00, or
(ii) 1/24 of the new balance (“New Balance”) shown on your statement,
or (iii) the sum of the Finance Charges, the late fee and 1.0% of your
New Balance; plus (b) any past due amounts. The Total Minimum
Payment will be rounded up to the next whole dollar. However, the
Total Minimum Payment is the New Balance if the New Balance is less
than $50.00.
We reserve the right to select the method by which payments and
credits are allocated to your Account in our sole discretion. The payment
allocation method that we use may result in higher amounts of Finance
Charges on your Account, depending on the types of transactions you
make (such as promotional or nonpromotional purchases), and the
timing and amount of your payments. If you have any questions about
our allocation of your payments, or if your payments are not allocated to
your promotional purchase in a manner you desire, please call customer
service to see whether we can reallocate your payments based on
another payment allocation option we offer.
FEES. You agree to pay the following fees.
A. A Late Payment Fee, if we have not received your Minimum Payment
by 5:00 p.m. (ET) on the Payment Due Date shown on your Statement.
The amount of the Late Payment Fee will be based on your New Balance
at the time your delinquent Minimum Payment was calculated. The Late
Payment Fee will be:
New Balance Late Fee
Less than $25.00 $0.00
$25.00 – $99.99 $15.99
$100.00 – $249.99 $29.99
$250.00 or more $39.99
B. A Returned Check Fee of $15.00 on balances under $100.00
and $38.00 on balances of $100.00 and higher if any check or other
instrument sent to us, or any electronic payment authorization you
provide us, in payment on your Account is not honored upon first
presentment even if the check, instrument or electronic authorization is
later honored. Your Returned Check Fee will be based on the ending
balance of your Account for the billing period immediately preceding
the billing period in which your Returned Check Fee is applied to
your Account.
SECURITY INTEREST. To secure your obligation to us, we retain a
security interest under the Uniform Commercial Code in each item of
merchandise you purchase (except in NY on any purchase under $200)
until that item is paid in full (in NY, not to exceed five years from the date
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the purchase is posted to your Account). This security interest permits
us, under certain circumstances provided for by law, to take back, or
repossess, the merchandise if you do not pay for it under the terms of
this Agreement. In NY, no security interest will be retained or acquired
under this Agreement in any motor vehicle or in any goods likely to be
affixed to a motor vehicle or real property so as to become party thereof.

DISCLOSURES FOR THE

SAM’S CLUB® BUSINESS MASTERCARD AND
THE SAM’S CLUB® BUSINESS CREDIT CARD
BUSINESS PURPOSES. You agree not to use this Account to purchase
goods and/or services for personal, family, or household purposes. In this
connection, you understand that your agreement not to use this Account
for personal, family or household purposes means that important duties
imposed upon us, and important rights conferred upon a consumer,
pursuant to certain federal or state laws, will not apply to this Account.
You also understand that we will be unable to determine whether any
given purchase conforms to this “Business Purposes” section of this
Agreement. You agree that a breach by you of this “Business Purposes”
section will not affect our right to enforce your promise to pay for the
credit extended to you, including related charges, or to use any remedy
legally available to us even if that remedy would not have been available
had the Account been established as a consumer credit Account.
ADDRESS/PHONE CHANGE. You represent that any phone number
that you provide to us belongs to you and/or that you are authorized to
provide that number. You also agree to tell us right away if you change
your address or any phone number. You agree to notify us promptly if
you change your principal place of business or billing address. Until we
are notified that your address has changed, we will continue to send
Statements and other notices to the last address we maintained on
your Account.
CONSENT TO COMMUNICATIONS. You consent to us, as well as
any other owner or servicer of your account, contacting you through
any channel of communication and for any purpose and at any time,
as permitted by applicable law. For informational, servicing, fraud, or
collection related communications, you agree that we may use the phone
numbers that you provide to us to contact your cellular phone or wireless
device with text messages, artificial or prerecorded voice calls, and calls
made by an automatic telephone dialing system. Text frequency may vary
and may be recurring. This consent applies even if you are charged for the
call under your plan. You are responsible for any charges that may be billed
to you by your communications carrier when we contact you. Message
and data rates may vary. We and any carrier are not liable for delayed or
undelivered messages. If you have questions, please call the number on
the back of your card.
CHANGE IN TERMS. We may, at any time and for any reason,
change, add or delete provisions of the credit card agreement, including
increasing rates or fees. These changes may affect existing balances
as well as future transactions. We will send you any terms change as
required by applicable law.

7
 How to Earn Sam’s Cash with Your
Sam’s Club® Mastercard® (“Program”)
As a Sam’s Club member, you will earn the rewards currency of Sam’s
Cash (“Sam’s Cash”) on Eligible Purchases made using your Sam’s Club®
Mastercard® account (“Card Account”). The amount of Sam’s Cash
earned as a reward is determined according to the Category Percentages
(see below) for your Eligible Purchases using merchant category codes
(“MCC”) as described below.
The Program and the ability to receive and redeem Sam’s Cash (as
described below) are only available to Sam’s Club members with an
active membership.
The purpose of the Sam’s Club Mastercard Program is to build customer
loyalty to Sam’s Club and encourage cardholders to (i) maintain their Sam’s
Club memberships; (ii) shop regularly at Sam’s Club retail locations or www.
samsclub.com; (iii) come to a Sam’s Club location on a relatively prompt
basis after issuance of Sam’s Cash in order for Sam’s Club to enhance its
relationship with its members and encourage them to make purchases at
the Sam’s Club location; and (iv) be regular and continuing users of the
Sam’s Club Mastercard.
Category Percentages for Eligible Purchases

5% BACK IN SAM’S CASH ON FUEL AT GAS STATIONS AND AT

ELECTRIC VEHICLE (EV) CHARGING STATIONS
In each calendar year, you will earn 5% back in Sam’s Cash on your first
$6,000 spent on Eligible Purchases at Gas Stations and at EV Charging
Stations. Thereafter you’ll earn 1% back in Sam’s Cash on Eligible
Purchases for the remainder of that calendar year.
“Gas Stations” (or fuel stations) are generally merchants identified by their
MCC as “Service Stations” or “Automated Fuel Dispensers.” Gas Stations
do not include merchants of aviation or other non-automotive fuels.
“EV Charging Stations” are generally merchants identified by their MCC
as “Electric Vehicle Charging.” EV Charging Stations do not include
merchants of Parking Lots, Parking Meters and Parking Garages.
For a list of exclusions, please log into your account at
www.samsclubcredit.com/login or call the phone number on the
back of your Card.

3% BACK IN SAM’S CASH AT RESTAURANTS

You will earn 3% back in Sam’s Cash on Eligible Purchases made at Restaurants
located worldwide (excluding warehouse clubs other than Sam’s Club).
Restaurants are generally identified by their MCC as restaurants, bars, lounges,
fast food places, and caterers.
For a list of exclusions, please log into your account at
www.samsclubcredit.com/login or call the phone number on the
back of your Card.

3% BACK IN SAM’S CASH FOR SAM’S CLUB PLUS MEMBER PURCHASES

Sam’s Club Plus Members will earn 3% back in Sam’s Cash on all other
Eligible Purchases made at any Sam’s Club Location, including Scan & Go
or at www.samsclub.com with your Sam’s Club Mastercard.
The amount of Sam’s Cash issued on an eligible purchase is based on
the Primary Cardholder’s membership status as of the end of the day on
the date of purchase or, if you have a purchase being shipped or picked
up at Sam’s Club, on the date your purchase is charged to your Card

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Account (excluding any authorization holds). If you change your status,
please allow some time for the correct % to be rewarded while your
membership status is updated. Sam’s Club Add-On Members who have
their own Card Account will not earn for a Plus Membership unless the
Plus Membership is in their name (and not as an Add-On Member, with
a Club level membership).

1% BACK IN SAM’S CASH ON OTHER ELIGIBLE PURCHASES

You will earn 1% back in Sam’s Cash on all other Eligible Purchases, including
Eligible Purchases at Sam’s Club if you are not a Plus Member.

The percentage rate of Sam’s Cash rewarded on an Eligible Purchase

(the “Category Percentage”) is determined by the merchant category
code (“MCC”) associated with the Eligible Purchase. An MCC is a four-
digit classification code that is assigned to a merchant by the merchant’s
payment card network or merchant processor based on the predominant
business activity of the merchant. The merchant’s MCC will determine
whether a particular Eligible Purchase qualifies for the higher Category
Percentages earned for “Gas Stations” or “Restaurants” as described
above. For example, a purchase of fuel made at the fuel station area of a
grocery store may have an MCC identification as a type of Merchant other
than a gas station, and would therefore not qualify for the Gas Station
Category Percentage. Neither Sam’s Club nor Synchrony Bank (“Bank”)
assigns or has responsibility for the assignment of MCCs, or evaluates
what MCC should be assigned to a particular merchant. Bank reserves
the right to determine from time to time which MCCs qualify for particular
Category Percentages.
For questions about the Category Percentage applicable to a particular
purchase or merchant, please call the phone number on the back of
your Card.
Eligible Purchases
“Eligible Purchase” means net purchases (less credits, returns, taxes
and adjustments) of goods and services made using the Card Account,
excluding the purchases and transactions identified below.
Eligible Purchases DO NOT include any of the following purchases
at Sam’s Club locations, www.samsclub.com or any of the
following other transactions:
•
Purchases of tobacco and smoking-related products (including
electronic cigarettes);
• Prescription purchases;
• Fees or interest charges;
• Cash advances;
• Traveler’s checks;
• Reloading or purchase of prepaid cards, gift cards (including
third-party gift cards), or any cash equivalents; and
• Other transactions or charges that are not for the purchase of
goods or services.
Other Conditions
• After each Eligible Purchase, you may earn Sam’s Cash based on
the applicable Category Percentages up to a maximum of $5,000
in Sam’s Cash per any Calendar Year. Once you earn $5,000 in
Sam’s Cash in a calendar year, Eligible Purchases will not earn any
more Sam’s Cash for such calendar year.

9
 • Eligible Purchases on multiple Card Accounts for the same Sam’s
Club member, including business and personal accounts, will be
aggregated in determining the annual $5,000 maximum for Sam’s
Cash if such Card Accounts are owned by the same member or
entity (as indicated by the same name or taxpayer identification
number), the Card Accounts have the same guarantor and/or have
an owner or guarantor in common.
• When Eligible Purchases are returned for refund, the earned value of
Sam’s Cash is deducted from accrual of Sam’s Cash.
Redeeming and Using Sam’s Cash
• Sam’s Cash earned under the Sam’s Club Mastercard Rewards
Program will be displayed and combined with all other Sam’s Cash
earned under the Sam’s Cash Loyalty Rewards Program Terms
and Conditions (https://www.samsclub.com/content/terms-
and-conditions).
• Sam’s Cash earned under the Sam’s Club Mastercard Rewards
Program will be issued and combined with all other Sam’s Cash
earned under the Sam’s Cash Loyalty Rewards Program, within 1-2
billing cycles after being earned. Sam’s Cash will not expire but
you must remain an active Sam’s Club member. If a Sam’s Club
membership ceases, the rewards may not be redeemed until such
membership is reactivated.
• Sam’s Cash can be applied to most purchases at a Sam’s Club
location, including transactions with Scan & Go (some restrictions
may apply, please see screen when redeeming your Sam’s Cash) and
www.samsclub.com. Sam’s Cash cannot be used for purchases
from third parties or some prescription-related products.
• Sam’s Cash balances are non-transferable and non-assignable.
• Sam’s Cash may be redeemed for cash in clubs with a maximum
amount established by Sam’s Club in its sole discretion. In addition,
unless prohibited by law, Sam’s Club reserves the right to require a
mandatory cash out of the Sam’s Cash account periodically in its
sole discretion.
Exclusions to Earning and Issuance of Sam’s Cash
•
If your Card Account is not in good standing (i.e., becomes
delinquent), any Sam’s Cash earned but not issued will be forfeited
until your Card Account is back in good standing whereby you can
start earning new Sam’s Cash at such time;
• If your Sam’s Club Membership is terminated, cancelled or revoked by
Sam’s Club, any remaining Sam’s Cash balance shall be forfeited; or
• If your Card Account is cancelled or closed (either by you or by Bank),
any earned and issued Sam’s Cash will remain in your Sam’s Club
membership account until redeemed pursuant to the Sam’s Cash
Loyalty Rewards Terms & Conditions, but you will forfeit any Sam’s
Cash you have earned if it has not yet been issued (and deposited)
into your Sam’s Cash balance.
Additional Considerations
You acknowledge that the Program is a promotional program as to which
no consideration has been paid by you and Sam’s Club members have
no ownership interests in Sam’s Cash, and these rewards collected
do not constitute property. You further acknowledge that you have no
right, title or interest in Sam’s Cash until all conditions precedent are
met, including redemption of the Sam’s Cash at a Sam’s Club location
or at www.samsclub.com. Nothing herein requires Sam’s Club to
accept Sam’s Cash if the entire Rewards Program has been cancelled,
terminated or suspended.

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Sam’s Club and Bank have the right to add, modify or delete any benefit,
service or feature of the Program at our sole discretion. Changes to the
Program may include, among other things, modifying Eligible Purchases,
Excluded Transactions, the Category Percentages and purchase
categories; maximum Sam’s Cash amounts that may be earned or
redeemed, imposing additional restrictions or terminating the Program
in its entirety. We reserve the right to remove any participant from the
Program for any reason, including in the event of any fraud or abuse in
connection with the Program.
Please see the Sam’s Cash Loyalty Rewards Program Terms & Conditions
at https://www.samsclub.com/content/terms-and-conditions for
further details on the Sam’s Cash program.

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